金融消费者保护中的冷静期问题

随着金融市场的高速发展,金融产品日趋专业化和复杂化,在给消费者带来巨额回报的同时,也产生了极大的风险,消费者往往因为金融机构的不当销售行为或复杂的金融产品蒙受经济损失。冷静期作为一种保护规则,可以有效防止金融机构的不当销售行为,避免金融消费者的非理性行为,在各国金融消费者保护中都得到了运用。通过资料的搜集和比较,对冷静期权利的性质进行了阐述,在此基础上,就冷静期的具体适用问题,如适用范围、适用期间的计算等,加以进一步的论述,试图借此为冷静期在我国金融消费者保护中的适用提供借鉴。

Cooling-Off Period in the Financial Consumer Protection

With the rapid development of the financial market,the financial product become more and more professional and complicated,which brought to consumer great returns,while producing a great risk.Consumers are often suffered in economic losses because of the inappropriate behavior or sales of complex financial products of those financial institutions.As a protection rules,cooling-off period can effectively prevent the financial consumers form the wrong sales behavior of the financial institutions.In this paper,on the basis of the data collection,cooling-off period are designed to be elaborated in some questions,such as character,scope,which are useful to give some advices to the financial consumer protection in China.